The Money You Already Earned Calculator

See how much revenue you lose every week you wait for a bank loan.

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What is waiting costing you?

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Capital Amount Needed ($)

Expected Monthly Revenue Uplift if You Deploy Capital Today ($)

How much more revenue per month would you generate if you had the capital now?

What kind of business?

Sets the net margin used for DSCR calculation.

Bank Wait Time You Are Considering: 6.0 weeks

2 wks 6 wks (typical) 11 wks

What the numbers say

Revenue Lost During Wait

During wait window

Years to Recapture

Time for savings to offset lost revenue

Bank Rate Savings if You Wait

Total interest savings over loan life

Enter your numbers above to see the full picture.

Note: Your projected DSCR with this loan is --. At 1.5x or above, lenders have little concern. Review the Payment Calculator for a full DSCR analysis.

Adjust rate assumptions

Alternative Lender Rate (% APR)

Bank Rate if You Wait (% APR)

Loan Term (years)

Current Monthly Revenue ($)

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Ready to stop losing revenue you could have already earned?

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Borrow Now vs. Borrow Later

3-year net outcome comparison.

Metric	Borrow Now	Borrow Later	Change

Real Return After Tax and Inflation

Inflation Rate (%)

Effective Tax Rate (%)

Real Revenue Captured After Tax and Inflation: --

Inflation impact: --

Tax impact: --

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